kaiser wants to raise rates by 8% and united healthcare by 10. jan's insurer says, the rate adjustment is necessary to cover increasing medical costs but he disagrees. >> we're seeing health insurance rates going up 10 times faster than the rate of medical inflation. >> reporter: now, the rate hike proposals on the insurance commissioner's desk but he can't do much to stop them legally. but legislation on the 2014 ballot could change that. and force insurers to retroactively refund these rate hikes if they are deemed excessive. >> he doesn't have the power because the state senate and the assembly right now as of the law is right now have to give him that power, have to -- >> reporter: right. it's gone through several times and it hasn't made it through the state legislature. this ballot measure would give the commissioner to say absolutely not. i veto this. >> got it. okay. 25% seems like a lot. thank you. we'll be right back. ,, ,, , ,, ,,,,,,,,,,,, here's what we re working on we're working on for the 6:0 news. after a nearly decade-long battl